Ms RYAN (Lalor—Opposition Whip) (13:45): I rise today for the 18th time to draw to the House's attention the three years since those opposite took the recommendations from the review into the small amount credit contract system in this country—that is, the payday lending sharks operating to exploit disadvantaged people in our communities. There is a lot that we argue about in this chamber. But we've agreed today, I think across the board, that we should support communities that are confronted by natural disasters. We've all agreed that we should support those communities. There are other things we agree on in this chamber. We agree that action should be taken to stop the debt trap. We agree on that. The government agrees on that. The Deputy Prime Minister agrees with that. Today we've got Gerard Brody and the Consumer Action Law Centre here in Parliament House, with the Salvos, to talk to us all about this exact issue. I say to those opposite: please, it is time for action. You've agreed for three years; you've promised. Various ministers who've had charge of this have made undertakings and told us that they would act. Today would be a good day to act to stop the debt trap and agree on something for a change. (Time expired)